vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter and an official Identity Theft Report to TransUnion via Certified Mail, requesting the removal of multiple fraudulent accounts, including a specific XXXX account, which were opened as a direct result of identity theft. According to USPS tracking, this letter was delivered to TransUnion on XX/XX/year>. 

Initially, TransUnion complied with my request and removed the fraudulent XXXX account from my credit report, leading to a significant improvement in my score. However, on or around XX/XX/year>, I discovered that TransUnion has re-added this same fraudulent XXXX account back to my credit report, which negatively impacted my credit score.

This re-addition of a previously removed, identity theft-related account is a violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning the duty of consumer reporting agencies regarding blocked information ( 15 U.S.C. 1681c-2 ) and the duty to reinvestigate ( 15 U.S.C. 1681i ). TransUnion was already provided with a valid Identity Theft Report regarding this account. Upon contacting TransUnion, I was informed that they would send something in the mail regarding this re-added account.

My desired resolution is for TransUnion to immediately and permanently remove this fraudulent XXXX account from my credit report.

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 2025-07-18 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: MI

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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
There is an account on my credit report that I do not recognize. I did not open or authorize it, and it does not belong to me. This is inaccurate and misleading information that negatively affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I discovered that my credit report is reflecting multiple inaccurate and unverifiable negative accounts, as well as hard inquiries that I never authorized. Despite previous disputes, the credit bureaus and the reporting creditors have continued to report this information without providing proper documentation to validate the accuracy of the accounts. Some entries list incorrect payment histories, inflated balances, or accounts that do not belong to me. Additionally, inquiries made on various dates appear to have been pulled without my knowledge or consent, which constitutes a violation of the Fair Credit Reporting Act. I have taken all reasonable steps to request verification, including written disputes, but the issues remain unresolved. The continued reporting of this erroneous data has caused undue harm to my credit profile, affecting my ability to obtain credit and fair terms. I am now requesting that this matter be formally reviewed and corrected.

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 2025-07-18 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: NC

Complaint narrative:
I am contacting you regarding the appearance of unauthorized hard inquiries on my credit report. These inquiries were not initiated by me, and I never provided consent for my credit report to be accessed by these entities.

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
On XX/XX/18 I received a letter from Linenbarger Goggan Blair & Sampson, LLP with a title Notice of delinquent costs, fees, or fines It is addressed to XXXX XXXX XXXX account and my address. That is not my name. 
The debt collection is in the amount of {$480.00} on behalf of the XXXX XXXX court in XXXX. The collections reason is for Exceeding Max speed  XXXX XXXX XXXX XXXX  I have never driven a car in XXXX  and the name on the envelope is not my legal name. It is the same last name. 
I attempted to contact the law firm that sent the notice 3 times via phone. Each time I waited 50+ min on hold and never got an answer. I attempted to send an email or contact them online and had no success. I suspect this company has bad practices of finding the correct individuals that owe money and sends the collections notices to the wrong individuals just because the name may be similar. I need help however possible to get this law firm to stop harassing me for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
XXXX'I am filing this complaint because the credit bureaus (Equifax, Experian, and TransUnion) are reporting a collection account from XXXX XXXX XXXX XXXX regarding an alleged debt tied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXOn XXXX XXXX XXXX, I sent XXXX a legally compliant debt validation request under the Fair Debt Collection Practices Act (FDCPA 809). They received the letter via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), which was delivered on XXXX XXXX XXXX to their XXXX, MA office.XXXXDespite proper notice and legal requirement, XXXX has failed to respond within the XXXX-day window, nor have they provided any documentation proving this debt belongs to me. Under both the FDCPA and the Fair Credit Reporting Act (FCRA 611), any debt not validated must be considered disputed and unverifiableand therefore must be removed from credit reporting.\n\nI have also submitted formal disputes to Equifax, Experian, and TransUnion on XXXX XXXX XXXX providing:XXXXMy validation letterXXXXUSPS proof of deliveryXXXXHighlighted credit reportsXXXXYet the item continues to be reported, with no verification provided and no deletion issued. This violates my rights under federal law and is directly harming my credit profile.'

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 2025-07-18 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
Dear CFPB Team, I am submitting this complaint against Mr.Cooper ( servicer of my mortgage loan # XXXX ), due to misleading and potentially unlawful language included in their XXXX XXXX XXXX 

XXXX. Issue Description The recast agreement I received contains a clause stating that the interest rate may change in the future. This contradicts Mr.Coopers official public policy on recast : Their Help Center states : Your loan term and interest rate stay the same, but your monthly principal and interest payment is reduced based on your new, lower balance.

( Source : Mr.Cooper, What is a XXXX XXXX? ) Their blog article asserts : A XXXX XXXX is a way to reduce your monthly mortgage payment without changing your interest rate or loan term. 
( Source : Mr.Cooper, What Is a XXXX  XXXX? ) ( ) XXXX. Consumer Impact I hold a fixed-rate mortgage, and was initiating a recast specifically to keep the same interest rate, while lowering payments. The clause enabling rate change is deceptive, contradicts the advertised policy, and may violate my rights as a borrower, as well as : 12 C.F.R. 1024.38 ( RESPA ) requires servicers to maintain and provide accurate policies and procedures, and respond accurately to borrower requests. 

XXXX. Requested Action I am requesting CFPBs intervention to ensure : XXXX. Mr.Cooper be required to remove the language allowing interest rate changes in the recast agreement. 
XXXX. Confirmation in writing that my interest rate and loan term will remain unchanged, consistent with their public policy. 
XXXX. Corrective actions be taken to prevent future borrower deception. 

I have attempted to resolve this directly with Mr.Cooper but have not received a satisfactory written correction. I am prepared to provide copies of the recast agreement, printouts of their published statements, and correspondence as evidence. 

Thank you for your attention. I trust CFPB will address this matter promptly and help protect consumers from misleading mortgage servicing practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Loan Number # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Reviewing my information after being declined for a mortgage multiple times over the past XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Reviewing my information after being declined for a mortgage multiple times over the past XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX, {$720.00} was taken from my XXXX account without my authorization. My debit card was with me and I was an hour away from where the withdrawal occurred. On XX/XX/XXXX, I made a dispute with XXXX ( Comerica ). I was asked to fill out an affidavit, and return it via email, which I did. The claim was denied and no information was given as to why. I called to follow up and supply more information. I requested the information used by them to deny the claim, was told that it would be mailed, and received nothing from them. I submitted an update to them with the GPS tracking information from my phone showing that I was XXXX miles away, in the mountains for the entirety of that day, the day before, and day after. I was nowhere near where the unauthorized withdrawal happened and showed proof. They denied the claim again. I asked for a copy of the material used in their decision, was told that it would be sent, and received nothing. 

I have called them and been hung up on when asked to speak to a supervisor multiple times, most recently today, XX/XX/XXXX. There is no way to reach anyone with any ability to do anything. They do not give any information over the phone. Their letters are cryptic with no information. 

I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with calls ranging from half an hour to an hour and a half. I was hung up on twice in those calls. The gap this month was due to some health concerns. I am on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: TN

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 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 2025-07-18 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-18 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have been sent to collections for debts that are NOT MINE. THAT WERE, FRAUDULENT. 
I am a victim of Identity theft.

Company response to consumer: Closed with explanation