vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: VA

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. 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 explanation
Consumer complaint received 2025-08-05 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: VA

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. 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 2025-08-05 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-05 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: SC

Complaint narrative:
I am filing this complaint against Equifax for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent collection account reported by XXXX XXXX XXXX ( balance : {$120.00}, date opened : XX/XX/year> ). 

I have no knowledge of this account, did not authorize it, and have disputed it as identity theft. I submitted a complete identity theft package, including : FTC Identity Theft Report # XXXX ( submitted online ; unable to print, but available in the FTC database ) Government-issued photo ID Proof of address Formal dispute letters Despite this, Equifax continues to report the account as accurate, even after my identity theft documentation and a Better Business Bureau ( BBB ) complaint. This reporting is unlawful under : FCRA 605B, which requires permanent blocking of accounts tied to identity theft FCRA 611 ( a ) ( 5 ) ( B ), which prohibits reinsertions without proper notice FCRA 1681n, which provides for statutory damages in cases of willful noncompliance Meanwhile : XXXX and XXXX have permanently deleted this same XXXX XXXX XXXX account Equifax is the only bureau still reporting it No written contract, signature, or permissible purpose has ever been provided Continued reporting of this account has caused material harm to my credit score, reputation, and emotional well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I had no idea this debt even existed. Ive never been contacted. Never heard from the original apartment complex or the collection company. To my knowledge this was a non-issue when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX inquiry date XXXXXXXX XXXX XXXX Account date 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 2025-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I barrowed line of credit from sovereign bank for {$120.00} K, they sold the bank to Santander i did not use all the money on the line of credit, and paid monthly to santander till end of XXXX  now they have lien against my property. I am asking them to provide information.They want to charge me {$160000.00}. I have a XXXX XXXX XXXX XXXX. I have tried to get information from Santander Bank, but no result. I can be reached at XXXX. I am in proccess of selling the property and it is under contract. please someone get hold of Santander bank and get back to to resolve my issue. Thanks

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 2025-08-05 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: MI

Complaint narrative:
Experian continues to report information on my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX that is not correct and they refuse to remove all the information listed. 
They are failing to provide adequate or accurate notice of my disputes. They are not giving any responses of proof. They are not respecting my rights to privacy. 

I need all collections and charge off to come off of my private 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 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX withdrew from my account my XX/XX/2025 mortgage payment of {$7900.00} on XX/XX/XXXX. Mr. Cooper bought the loan. XXXX sent the money via wire transfer to Mr. Cooper. Mr. Cooper did not apply the payment to my loan. XXXX provided wire transfer and batch information to Mr. Cooper on XX/XX/XXXX at XXXXXXXX XXXX EST including the full amount of the wire transfer including all loan information in the batch. Mr.Cooper continues to request that information from me to resolve the missing payment issue. XXXX will not give me wire transfer and batch information directly. Mr. Cooper continues to tell me that I need to provide the information that XXXX provided to them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft and to request the appropriate protections under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. 

Fraudulent accounts and/or inaccurate information have appeared on my credit report that are the direct result of identity theft. I did not open or authorize these accounts or transactions. I am requesting that this fraudulent information be blocked from my credit file as allowed by federal law. 

Details : Full Name : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX florida Phone Number : XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently opened a checking and high yield savings account at American Express. After depositing over {$100000.00} to the checking account via an ACH transfer from a brokerage account, American Express is not permitting me to transfer more than {$25000.00} from the checking account to the savings account. At no point during the deposit process was I alerted that I would have extremely restrictive limits placed on any deposits in excess of {$25000.00}.

These limits are clearly in place to limit American Express customers from transferring funds from the low yield checking accounts ( where people generally make deposits ) to higher yield savings accounts. There is currently a 2.5 % interest differential between these two accounts. At an aggregate level, this intentional friction is a massive hidden fee on all customers that are impacted by these extremely restrictive and undisclosed transfer limits. 

The solution suggested by the customer support staff was laughable and another attempt to extract fees. They suggested that I wire the {$100000.00} to another bank ( for a {$20.00} fee ), then wire the money back to my savings account ( for another {$20.00} fee ) in order to get around the {$25000.00} internal transfer limit. 

There is no rational explanation for American Express ' behavior other than an attempt to extract hidden fees ( foregone interest ) and the explicit wire transfer fees. They allow virtually unlimited transfers to external banks while limiting internal transfers. There is no security or fraud risk because it is an internal transfer from my own account to another account that I own within the same institution. It's a simple internal journal entry. Clearly, this is nothing other than an attempt to trap deposits like mine in lower yielding accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-05 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  - Account Number : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
To whom it may concern, I am reaching out to you with serious concerns in regards to a drastic increase in our mortgage interest rate and payment. 
In XXXX of XXXX, as a result of both illness and lack of work due to the COVID-19 Pandemic, myself and my wife felt serious financial strain. We reached out to Mr. Cooper to discuss our options, and applied for COVID payment forbearance. At the time, Mr. Cooper assured us we would have a multitude of options available to us once the forbearance ended. 
When we attempted to end our COVID forbearance in XX/XX/XXXX, the only option Mr. Cooper provided us was an increase in our interest rate from roughly 2 % to over 7 %, drastically increasing our mortgage payment and exacerbating our financial hardships. As we tried to resolve this, Mr. Cooper requested additional information, which we provided in a timely manner. Yet, Mr. Cooper continued to request further documentation for details already noted in existing documents accompanied by, what we viewed as, trivial questions ( such as what does sick pay mean ). This process of repeatedly asking for already provided documents and information essentially gridlocked any process of finding an alternative solution to ending our COVID forbearance, despite our repeated compliance and good faith participation. 
In the meantime, we received a foreclosure notice, which proved incredibly startling. As a result, we signed the agreement under a state of duress at the threat of a wrongful foreclosure. We do not believe Mr. Cooper acted in good faith, and violated Consumer Financial Protection Bureau Standards, by unnecessarily prolonging any process of modifying our loan, resulting in a short term notice of foreclosure. 
Our attorney is investigating this matter, however we would like to further discuss with you. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2025-08-05 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-05 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: VA

Complaint narrative:
Im writing because there is wrong and damaging information being reported on my credit file, and I need it corrected immediately. 

After carefully reviewing my credit report, I found an account that is being inaccurately reported. The information is flat-out incorrect, and its having a negative impact on my credit profile completely unfairly. This is not just a minor error. Its a serious misrepresentation of my payment history and violates the standards set by the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable. 

For the record, this account has always been paid on time, and I have never missed a payment. Labeling it as delinquent or late is false. This appears to be a billing error, and under 15 USC 1666B, Im entitled to have this corrected promptly. This false reporting is not only misleading its a violation of my rights as a consumer.

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