vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
I am submitting this third formal dispute regarding multiple inaccurate, unverified, and unauthorized items appearing on my credit reports. I am demanding permanent deletion, not correction, of the following entries, which continue to be reported in violation of federal law and cause ongoing harm to my creditworthiness. 
The first account, XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, is reported as Late Closed, while the same account is also listed as Charged Off with a balance of {$19000.00}. This contradictory reporting violates the FCRAs requirements for accuracy, verification, and reasonable reinvestigation, including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Additionally, the charged-off balance exceeds {$600.00} without a corresponding IRS Form 1099-C, which is required to validate debt cancellation. Because this account can not be verified as accurate, it must be permanently removed from my credit reports in accordance with FCRA 605B [ 15 U.S.C. 1681c-2 ]. 
The second account, XXXX Account No. XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$300.00} is being reported as a collection without proper validation or supporting documentation. Reporting unverified debts is prohibited under FDCPA 807 [ 15 U.S.C. 1692e ] and 809 [ 15 U.S.C. 1692g ], and allowing this unverified account to remain on my reports violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. Because no verification has been provided, this account must also be permanently deleted. 
Finally, my reports include an unauthorized inquiry by XXXX XXXX XX/XX/year>, which was conducted without my consent or any permissible purpose. This access violates FCRA 604 ( a ) and 604 ( f ) [ 15 U.S.C. 1681b ( a ) and 1681b ( f ) ], as well as 619 [ 15 U.S.C. 1681q ], and must be immediately and permanently removed in accordance with 605B [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint because XXXX failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) concerning an account reported by LVNV Funding LLC ( Account XXXX. XXXX, Report XXXX. XXXX ). 
On XXXX XXXX XXXX I disputed this account with XXXX and requested documentation validating the debt. XXXX responded that the account has not been changed and will remain on your credit report, but they did not provide any supporting documentation from LVNV Funding LLC or Resurgent Capital Services. 
Neither XXXX  nor LVNV Funding LLC has provided : A complete chain of assignment showing how LVNV Funding LLC obtained ownership of this account ; The bill of sale from the original creditor containing identifying account information linking the alleged debt to me ; The signed original contract or agreement, account-level statements, charge-off details, or itemized transaction history ; A breakdown of the balance, clearly identifying principal, interest, and any added fees ; Proof of licensing and bonding authorizing LVNV Funding LLC or its agents to collect debts in my state XXXX XXXX XXXX XXXX 
Without these documents, the account remains unverified, unvalidated, and incomplete, yet XXXX  continues to report it as accurate. This constitutes a failure to perform a reasonable reinvestigation and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am filing on behalf of XXXX XXXX XXXX, XXXX XXXX, as I am the authorized person and personal guarantor regarding a mortgage loan serviced by Rushmore Loan Management Services , LLC. 

The property is located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( Loan No. XXXX ). 

In 2025, I contacted Rushmore Loan Management Services to request a loan modification or payment assistance for this investment property owned by my company. During my phone conversation, Rushmore representatives informed me that I could not apply for a modification because the investor does not allow modifications. They said I could only do a repayment plan in a short term of 3 or 6 months. I told them the online portal shows options for a modification they told me that by law they have to send that and letters of the same kind to everyone but my loan doesnt apply.

I was never permitted to submit a written application, never provided a written denial, and never given documentation identifying the investors policy. Rushmores refusal was made entirely over the phone, with no follow-up correspondence or opportunity for review. 

I later confirmed that the owner of the loan is XXXX XXXX XXXXXXXX, which holds legal title and is authorized to receive legal notices. Rushmore remains the servicer. At no point did XXXX XXXX XXXXXXXX provide written guidance or policy indicating that modifications are prohibited. Therefore, Rushmores refusal to allow a formal application lacks transparency and does not appear to be based on a verified investor restriction.

This situation prevents my company from demonstrating financial eligibility for modification or repayment assistance and raises concerns about Rushmores servicing conduct, as they have declined to provide written clarification or documentation of investor instructions. 

I am requesting that Rushmore Loan Management Services , LLC and XXXXXXXX XXXX XXXX : Provide written confirmation oXXXX XXXX XXXX XXXX XXXXolicies on loan modifications and hardship review ; Identify whether Rushmore has the authority to evaluate or forward modification applications to the investor ; Allow me to formally submit a loan modification or payment plan application, to be reviewed in good faith ; and Ensure all servicing decisions and investor communications are documented in writing going forward.

I understand this is a business-purpose loan ; however, Rushmore services this account using the same systems and communications as its residential mortgage portfolio. Therefore, I am requesting CFPBs assistance to ensure Rushmore and XXXX XXXX  XXXX act transparently and in accordance with fair servicing standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : 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
Consumer complaint received 2025-10-23 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

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 2025-10-23 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$240.00} XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$880.00} XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$810.00} XXXX # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened 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 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: RI

Complaint narrative:
I have a charge on my credit score of a school loan I didnt take out I dont go to school nor have I went to college I called the number they said they will send over dispute papers threw the mail never did the asked me did I know any of the referred people on file I didnt I live in Rhode Island the number was out of my state I need to get this cleared

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-23 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:
I am submitting this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy of my credit file, failure to conduct a lawful reinvestigation of my disputes, and failure to provide the full method of verification as required under 15 U.S.C. 1681e ( b ), 1681i, and 1681g.

I recently obtained my credit reports from XXXX and discovered several inaccurate and unverifiable entries in both the personal information and tradeline sections. I submitted a formal written dispute to each credit bureau that included a detailed list of errors, supporting documents, and proof of identity. Despite this, the bureaus failed to conduct a complete and reasonable reinvestigation as required by law. 

Summary of Disputed Information Incorrect Personal Information : Previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect or Unverifiable Accounts : XXXX XXXX Charge Off XXXX Charge Off ( XXXX entries ) XXXX XXXXXXXX XXXX XXXXXXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX Closed/Paid ) XXXX XXXX Late Payment ( Closed/Paid ) These accounts contain inaccurate or unverifiable reporting details including account status, balance, payment history, remarks, and open dates. Under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be deleted from the consumers credit file.

Violations by the Credit Bureaus 15 U.S.C. 1681e ( b ) The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy of my credit report.

15 U.S.C. 1681i ( a ) ( 1 ) The credit bureaus did not conduct a reasonable, good-faith reinvestigation of my disputes.

15 U.S.C. 1681i ( a ) ( 7 ) The credit bureaus did not provide me with the method of verification for the disputed information, including documentation or the names of entities contacted.

15 U.S.C. 1681g The credit bureaus failed to provide full consumer file disclosures that accurately reflect all information, inquiries, and certifications associated with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
CFPB closed the case and I have a valid response that Shellpoint Mortgage Servicing needs to address. 

See attached.

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Subject : Mortgage Servicer System Error Resulting in Missed Payments, Penalties, and Credit Damage Complaint Summary : I am reporting a serious issue with my mortgage servicers auto-payment system that resulted in missed payments, financial penalties, and damage to my credit scoredespite my consistent efforts to pay on time. 
I had automatic monthly mortgage payments set up through my checking account. From XXXX through XX/XX/year>, payments of {$3800.00} were successfully deducted. On XX/XX/XXXX, the payment amount was supposed to adjust to {$3100.00} due to a loan recast. However, despite the auto-payment remaining active, no deductions occurred in XXXX, XXXX, or XXXX. 
I was not notified until XXXX that XXXX payments were missed. I was forced to make a lump-sum payment of $ XXXXincluding penaltiesto avoid further damage. Even after paying, I continued receiving statements claiming I still owed the XXXX payment. 
Additionally, my loan activity shows the XXXX payment was reverted on XX/XX/XXXX, yet my bank statement confirms the funds were deducted and never returned. I have not received a refund or explanation for this discrepancy. 
Attempts to resolve the issue with customer service were unsuccessful. Representatives were unaware of the problem and insisted I pay to clear the account. I was penalized for a system failure that was not my fault, and my credit score has suffered as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Complaint against Huntington Bank and employee at the executive office XXXX. Who did not care at all for my issue reported. 
I opened an account and need to transfer funds and im tryin to reset passcode and I keep getting the attached errors. Issue was reported and the rep for the executive office just did not want to assist. 
I assume thats how Huntington bank treat customers or maybe just some customers which is a serious issue for this bank.

Company response to consumer: Closed with explanation