vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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 have been a victim of identity theft since 2007. As a direct result of identity theft, fraudulent financial transactions have occurred in my name without my knowledge, consent, or authorization. Specifically, vehicles have been financed through various companies using my stolen personal information. These fraudulent loans and associated accounts were opened solely due to criminal theft of my identity. I have never financed or leased a car through these companies 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 2025-06-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 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: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
RE : CEASE AND DESIST DEMAND Unlawful Credit Reporting / Collection Practices To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from all further attempts to contact me regarding the alleged debt/account referenced below : I am asserting my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and/or the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby notified to stop all communication with me, my family, and my employer regarding this matter, effective immediately. 

If this debt is being reported to any credit reporting agency ( e.g., Equifax, Experian, TransUnion ), and it is inaccurate, unverifiable, or being reported without proper validation, you must take immediate steps to correct or remove this information. Continued reporting of false or unverified debt is a direct violation of federal law. 

You are required to : XXXX. Cease all forms of communication with me regarding this matter, including phone calls, emails, letters, or messages to third parties. 
XXXX. Cease reporting inaccurate or unverifiable information to any credit bureau. 
XXXX. Provide written verification of the alleged debt within 30 days, if you intend to pursue collection, per 15 U.S.C. 1692g.

If you fail to comply, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or taking legal action to recover statutory damages, court costs, and attorneys fees. 

This letter is being sent via [ certified mail/email/fax ] and serves as written notice under applicable federal and state laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
RE : CEASE AND DESIST DEMAND Unlawful Credit Reporting / Collection Practices To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from all further attempts to contact me regarding the alleged debt/account referenced below : I am asserting my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and/or the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby notified to stop all communication with me, my family, and my employer regarding this matter, effective immediately. 

If this debt is being reported to any credit reporting agency ( e.g., Equifax, Experian, TransUnion ), and it is inaccurate, unverifiable, or being reported without proper validation, you must take immediate steps to correct or remove this information. Continued reporting of false or unverified debt is a direct violation of federal law. 

You are required to : XXXX. Cease all forms of communication with me regarding this matter, including phone calls, emails, letters, or messages to third parties. 
XXXX. Cease reporting inaccurate or unverifiable information to any credit bureau. 
XXXX. Provide written verification of the alleged debt within 30 days, if you intend to pursue collection, per 15 U.S.C. 1692g. 

If you fail to comply, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or taking legal action to recover statutory damages, court costs, and attorneys fees. 

This letter is being sent via [ certified mail/email/fax ] and serves as written notice under applicable federal and state laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
o Whom It May Concern : I am writing to formally dispute the reporting and status of Freedom Morgage After reviewing my credit file, I have determined that the information being reported is unverifiable, inaccurate, outdated, and incomplete, which violates my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished about me is reported with maximum possible accuracy ( 1681e ( b ) ) and that any disputed information must be fully investigated ( 1681i ) and removed if it can not be verified. 
Additionally, as this is an open-end credit account, I am exercising my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 and 1666b, which require you to : - Promptly investigate any billing errors I dispute, in good faith and within two complete billing cycles ( but not more than 90 days ) ; - Provide documented evidence that verifies the accuracy and completeness of this account as reported ; - Correct any errors found ; and - Ensure payments are applied timely to avoid inaccurate late fees, interest, or delinquency reporting. 
DEMAND FOR PERMANENT DELETION : Unless you can provide complete, documented verification that this account is XXXX XXXX  accurate, valid, current, and complete, you must immediately request its permanent deletion from any and all consumer reporting agencies you furnish data to. Failure to comply will constitute further violations of FCRA 1681s-2, 1681i, and FCBA 1666, exposing you to potential legal liability.

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 2025-06-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Auto Loan Reporting - Request for Immediate Removal Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information that is currently being reported on my Experian credit report regarding an auto loan account associated with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). 
The issue is as follows : Experian is inaccurately reporting that the auto loan account remained open with a final activity date of XX/XX/XXXX, and is marked as a " Charge Off. '' However, my XXXX  report correctly shows this account as closed on XX/XX/XXXX, with a balance of {$0.00} and no charge-off status. 
These inconsistencies are a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all data provided to credit bureaus must be accurate, complete, and verifiable under 15 U.S. Code 1681s-2 ( a ). Reporting a charge-off beyond the true closure date is not only inaccurate but also misleading and harmful to my credit profile. 
Key Discrepancies : XXXX. Incorrect Last Activity Date : - Experian : XX/XX/XXXX - XXXX  : XX/XX/XXXX ( correct and verified ) XXXX. Account Status Conflict : - Experian : Charge Off - XXXX  : Closed with no balance XXXX. Erroneous Payment History : - Experian reports missed payments from XXXX to XXXX, which are not reflected in XXXX  's records and contradict the account 's actual closure in XXXX. 
Under 15 U.S.C. 1681i ( a ) of the FCRA, I am requesting that this account be corrected or permanently removed from my Experian credit report if it can not be verified as accurate within 30 days. You are legally required to ensure this information is fully investigated and corrected if found to be in error. 
Please confirm in writing once this account has been corrected or removed. I have attached supporting documentation from both XXXX  and Experian reports for your review. 
Sincerely, XXXX XXXX XXXX Enclosures : - XXXX XXXX XXXX Report Screenshot - Experian Auto Loan Report Screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Immediate Removal of Fraudulent XXXX XXXX XXXXXXXX Account I am writing to formally dispute and demand the immediate removal of a fraudulent XXXX XXXXXXXX XXXX account that has been wrongfully reinserted into my Equifax credit file after previously being removed. This account is unauthorized, and I have included all supporting documentation in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

The reinsertion of this account violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as it was done without proper notice or a legitimate reinvestigation. Furthermore, under 15 U.S. Code 1681c-2, Equifax is legally required to block and permanently remove fraudulent information from a consumers credit file once a valid identity theft report is submitted. 

To support this dispute and request, I am enclosing : 1.A copy of my Federal Trade Commission ( FTC ) Identity Theft Report 2.A copy of the Police Report regarding the identity theft 3.A copy of my drivers license and documents verifying my identity I am formally requesting that Equifax immediately and permanently delete this XXXX XXXX XXXX XXXXXXXX account from my credit file and all associated systems, including mobile access through the Equifax app and services. 
This account is fraudulent, and its continued presence on my credit report is damaging, unlawful, and in direct violation of federal consumer protection laws. I expect Equifax to honor the submitted FTC and police reports and remove this account without delay. 
Please confirm in writing that this account has been fully removed and that it will not be reinserted unless all legal reinvestigation procedures under the FCRA are properly followed, including prior written notice to me. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

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 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 non-monetary relief
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dispute Regarding Removal of Authorized User Account Request for Immediate Correction Dear Consumer Financial Protection Bureau, I am filing a formal dispute concerning the improper removal of an authorized user account from my credit report by Equifax XXXX  and XXXX, which is now negatively impacting my credit profile. 

Issue Summary : An account on which I am a verified authorized user has been inaccurately removed from my credit report without valid justification. Both for XXXX  XXXX XXXX and XXXX I have already provided proof of authorized user status and ownership relationship to the bureau and the original creditor. 

Despite this, the account is still not reporting as it should, and its removal has led to an unwarranted drop in my credit score. 

Why This Violates Reporting Standards : Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report complete and accurate information ( FCRA 1681i ). 

If a consumer disputes an account and provides supporting documentation, the agency must investigate and either verify or correct the record. 

Authorized user accounts are considered valid tradelines and are commonly reported by creditors to assist with building credit history. 

There has been no communication from the bureau or the furnisher to explain the removal, and no valid reason has been provided. This is causing unfair damage to my creditworthiness through no fault of my own. 

Requested Resolution : I am requesting that : The authorized user account be reinstated and properly reported immediately. 

A reinvestigation be conducted, with full documentation provided to me per FCRA guidelines. 

My credit profile be corrected to reflect the accurate information and restore any negative impact caused by the erroneous removal. 

I respectfully request urgent action on this matter, as the delay in correction is continuing to harm my financial standing.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dispute Regarding Removal of Authorized User Account Request for Immediate Correction Dear Consumer Financial Protection Bureau, I am filing a formal dispute concerning the improper removal of an authorized user account from my credit report by XXXX XXXX XXXX XXXX, which is now negatively impacting my credit profile. 

Issue Summary : An account on which I am a verified authorized user has been inaccurately removed from my credit report without valid justification. Both for Bank of America and XXXX I have already provided proof of authorized user status and ownership relationship to the bureau and the original creditor. 

Despite this, the account is still not reporting as it should, and its removal has led to an unwarranted drop in my credit score. 

Why This Violates Reporting Standards : Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report complete and accurate information ( FCRA 1681i ). 

If a consumer disputes an account and provides supporting documentation, the agency must investigate and either verify or correct the record. 

Authorized user accounts are considered valid tradelines and are commonly reported by creditors to assist with building credit history. 

There has been no communication from the bureau or the furnisher to explain the removal, and no valid reason has been provided. This is causing unfair damage to my creditworthiness through no fault of my own. 

Requested Resolution : I am requesting that : The authorized user account be reinstated and properly reported immediately. 

A reinvestigation be conducted, with full documentation provided to me per FCRA guidelines. 

My credit profile be corrected to reflect the accurate information and restore any negative impact caused by the erroneous removal. 

I respectfully request urgent action on this matter, as the delay in correction is continuing to harm my financial standing.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Ive called First Progress on the XXXX and XXXX of XX/XX/year> demanding the interest of {$7.00} be removed as it was associated with charges I was found not liable for. They stated both times it would be removed with in XXXX hours. This still have not happen. 
They have now in retaliation reported XXXX accounts with a utilization of XXXX XXXX to the credit reporting agencies that are not mine causing my credit scores to drop by XXXX points. 
I want these removed asap before I escalate this matter further. I also want this company shut down and never allowed to co duct business again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited XXXX checks of {$5000.00} each ( {$10000.00} total ) on " XX/XX/XXXX '' into my account which they closed but they haven't paid me my money or returned it to the person who paid me. They need to either give that money back so I can get paid another way or pay me my money. They can not just stay with the money. It's already " XX/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
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Between XXXX and XXXX, Rocket Mortgage improperly collected escrow payments based on non-homestead property tax rates despite my home being approved for the Principal Residence Exemption ( PRE ) in early XXXX. Although XXXX XXXX refunded XXXX overpaid taxes, Rocket failed to revise projections or return escrow overages, instead disbursing over {$21000.00} in inflated taxes in XXXX while I was under a CARES Act forbearance. 

In XX/XX/XXXX, XXXX XXXX acquired the loan and continued projecting taxes using incorrect non-homestead figures, resulting in an artificial escrow shortage of {$19000.00}. XXXX also misapplied over {$10000.00} in payments made from XXXX through XX/XX/XXXX, placing funds into suspense accounts and triggering false delinquency reporting. These servicing errors have severely impacted my credit and caused significant financial hardship, including a proposed monthly mortgage increase to over {$6000.00}. 

Despite submitting documentation ( PRE, tax refunds, payment records ), both servicers have failed to correct the record or conduct an escrow audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: USCB, Inc.
State: GA

Complaint narrative:
I am disputing the accuracy and validity of the account listed by USCB America on my credit report. This account is identified as a medical debt collection, with an original balance of {$630.00} and {$1000.00}. However, it is improperly reported and violates updated credit reporting standards and federal protections.

Company response to consumer: Closed with explanation