vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Hard Inquiries Dispute Request for Immediate Deletion Dear Equifax, XXXX am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize or initiate the inquiries listed below, and under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure all information reported is accurate and verifiable. 

The following hard inquiries are not recognized or authorized by me : [ List each unauthorized inquiry with name of company and date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to the FCRA, 15 U.S. Code 1681b ( c ), a hard inquiry can only be made with my express authorization. I have never given written or verbal consent to these entities for a credit check, nor have I applied for any credit products or services with them. 

I am requesting that these unauthorized inquiries be immediately removed from my credit file. I also request that you provide documentation showing proof of my consent, if any exists. If you are unable to verify my authorization, the inquiries must be deleted under 15 U.S.C. 1681i. 

Please consider this letter a formal dispute and request for investigation. I expect a response within 30 days as required by law. Attached are copies of my government-issued ID and a utility bill for identity verification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX  offered me a XXXX XXXX XXXX Modification with no trail that will bring my loan current and allow me to resume making my monthly payments. I was approved for a loan modification. However, XXXX did not report that my mortgage was current to the credit bureau. My mortgage is showing as delinquent, with XXXX days late on my credit report. I have been making my payment on time, and my mortgage statements for XXXX, XXXX, and XXXX are showing {$0.00} Overdue Payment. Back in XXXX, I filed a CFPB complaint against XXXX for not reporting my XX/XX/year> payment. They responded by correcting the XXXX payment. However, now it is XX/XX/year>, and they still have not reported the XX/XX/year> payment. Does that mean I will have to file a CFPB complaint every month so that XXXX will report my payment on time, like they should be doing from the beginning? If that is the case, then this is no longer an error but discrimination against a veteran, as it takes time to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
On XX/XX/year>, XXXX offered me a Veterans Administration 40-Year Modification with no trail that will bring my loan current and allow me to resume making my monthly payments. I was approved for a loan modification. However, XXXX did not report that my mortgage was current to the credit bureau. My mortgage is showing as delinquent, with 120 days late on my credit report. I have been making my payment on time, and my mortgage statements for XXXX, XXXX, and XXXX are showing {$0.00} Overdue Payment. Back in XXXX, I filed a CFPB complaint against XXXX for not reporting my XX/XX/year> payment. They responded by correcting the XXXX payment. However, now it is XX/XX/year>, and they still have not reported the XX/XX/year> payment. Does that mean I will have to file a CFPB complaint every month so that XXXX will report my payment on time, like they should be doing from the beginning? If that is the case, then this is no longer an error but discrimination against a veteran, as it takes time to file complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I disputed multiple inaccurate accounts with TransUnion, and they were still listed as verified with no supporting evidence. XXXX using automated systems like XXXX instead of conducting real investigations. The tradelines are re-aged, contradictory, and violate the FCRA and XXXX XXXX. I have attached a legal letter that breaks it all down. XXXX at my limit, this is harming my credit, and I have an attorney on standby.

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I noticed discrepancies in my auto loan account and contacted the company to request a full breakdown of my payment history, current balance, and any fees or charges applied. Despite making consistent payments, my balance did not seem to reflect what I expected, and I questioned the accuracy of the interest and late fees being charged. 

I reached out to the company by phone to request this information. I followed up multiple times, but I either received incomplete answers or no response at all. As of XX/XX/scrub> 2025, I still have not received a clear explanation or proper documentation regarding my concerns. 

Additionally, I believe the company may have reported inaccurate information to the credit bureaus, which has negatively impacted my credit score. Im requesting a full and accurate accounting of my loan and corrections to any errors in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
XXXX XXXX put a debt collection of XXXX dollars on my credit. I don't understand why that charge is on my account. I spoke to the company because the balance is not mine and they refuse to show XXXX C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX CT XXXXXXXX XXXX XXXX Date : XX/XX/year> To : TransUnion Formal Dispute of Inaccurate Late Payment Reporting under FCRA Section XXXX Dear TransUnion, I am writing to formally dispute the accuracy of information you are reporting to the credit reporting agencies regarding my account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX - XXXX Card According to my credit report, your agency has reported XXXX or more late payments on this account. I am disputing the accuracy of this reporting, as I believe the information is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX [ 15 U.S.C. XXXX ], as a furnisher of information, you are legally required to : Report only accurate information to consumer reporting agencies ( Subsection XXXX ( a ) ( XXXX ) ( A ) ) ; Promptly correct and update any information you later determine to be inaccurate ( Subsection XXXX ( a ) ( XXXX ) ) ; and Investigate and respond to disputes when notified by a credit bureau XXXX and report the results back to the bureau ( Subsection XXXX ( b ) ). 
If you are reporting a late payment in error, or if you can not verify its accuracy through proper documentation, you are required to correct or remove the information. I am requesting that you conduct a reasonable investigation into this matter and provide me with written confirmation of the outcome and proof of a pate payment date Please find enclosed supporting document of each Credit Reporting Agency for your review, including : If this information can not be verified as accurate, I request that you immediately notify all credit reporting agencies to delete or correct the inaccurate late payment entry in compliance with FCRA XXXX XXXX. 

Please provide a written response within XXXX days, as required under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : XXXX XXXX  Report - Payment History

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 2025-07-19 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: LEXISNEXIS
State: TN

Complaint narrative:
My XXXX was reported public not honoring law 15 USC 1681 a4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : Formal Demand for Immediate Deletion Multiple Accounts Being Illegally Reported To Whom It May Concern, This letter serves as a final demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate deletion of the following unverified, inaccurate, and unlawfully reported accounts you are reporting to the credit bureaus : LVNV Funding Account # XXXX {$950.00} Collection LVNV Funding Account # XXXX {$1200.00} Collection LVNV Funding Account # XXXX {$460.00} Collection LVNV Funding LLC Account # XXXX {$460.00} Collection LVNV Funding LLC Account # XXXX {$1200.00} Collection LVNV Funding LLC Account # XXXX {$950.00} Collection Let it be made clear : A final bill, a basic account summary, or any generic data record does NOT meet the standard of legal validation under federal law. 

As required by 15 U.S.C. 1692g, you must provide the following : A copy of the original application or contract with my wet signature A complete billing history for each account A flow sheet outlining the chain of assignment from the original creditor to LVNV Funding A binding agreement or contract of sale showing you have legal ownership and authority to collect this debt Proof of active licensing to collect debts in the State of Illinois Without all of the above, you are : Reporting unverifiable information Violating my consumer rights Subject to formal legal action and regulatory complaints You are in direct violation of : 15 USC 1692g ( b ) Failure to cease collection without validation 15 USC 1692e ( 8 ) Knowingly reporting inaccurate or unverifiable information 15 USC 1681i ( a ) Failure to conduct proper reinvestigation 15 USC 1692f Use of unfair, deceptive, or unconscionable practices You have exactly XXXX calendar days from the date on this letter to : Delete all XXXX accounts from Equifax, Experian, and TransUnion Provide all documentation listed above in full Cease any further reporting, collection activity, or account reinsertion Failure to comply will result in : A formal CFPB complaint Reporting to the FTC A grievance with the Illinois Attorney General XXXX XXXX XXXX civil litigation for monetary damages This is your FINAL WARNING. If these unverifiable accounts are not removed and properly validated with full legal documentationincluding a flow sheet and binding agreementyou will be held accountable in federal court. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/year>. This account has resulted in a fraudulent open account appearing on my consumer XXXX credit report. I've attached proof of the fraudulent account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned collection as reported. The aforementioned open collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint to request your urgent intervention regarding Bank of Americas handling of my mortgage, which has resulted in a foreclosure sale scheduled for XX/XX/XXXX, XXXX my eligibility for a loan modification and ongoing efforts to resolve the matter. 

Background : I purchased my home through the NACA ( Neighborhood Assistance Corporation of America ) program and paid a membership fee with the assurance that I would be supported during hardship. I applied multiple times for a loan modification with Bank of America, yet : I never received any written denial as required by law.

I was not granted an opportunity to appeal. 

The bank has moved toward foreclosure without due process. 

Hardship Summary : My financial hardship began after the XXXXXXXX XXXX XXXX XXXX XXXXnd other family menber & relatives, a traumatic event that disrupted my finances and mental stability. 

The XXXX pandemic worsened my situation. 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX income to resume affordable mortgage payments. 

Despite this, Bank of America has proceeded with foreclosure. 

Violations of Federal Law : Bank of Americas actions appear to violate the CFPB Mortgage Servicing Rules under Regulation X, specifically : 12 CFR 1024.41 ( d ) Requires the servicer to provide a written notice of denial, with reasons and the right to appeal ( if submitted 90+ days before sale ).

12 CFR 1024.41 ( c ) ( 1 ) Requires the servicer to evaluate a complete loss mitigation application and provide timely written notice.

12 CFR 1024.41 ( g ) Prohibits foreclosure proceedings while a loss mitigation application is pending ( dual tracking violation ).

Bank of America has failed to comply with these requirements, denying me the protections provided by federal regulation.

Request for Relief : I respectfully request the CFPB to : Investigate Bank of America for non-compliance with 12 CFR 1024.41.

Require Bank of America to pause the foreclosure immediately.

Order a complete review of my loss mitigation file with proper documentation.

Ensure that I am granted due process and appeal rights under federal law.

I am prepared to submit paystubs, hardship documents, and prior communications.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My bank account was hacked for {$7000.00} on XX/XX/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted written dispute letters to all three major credit bureausEquifax, Experian, and TransUnionon XX/XX/year>2025, regarding inaccurate or outdated information appearing on my credit reports. I used certified mail and have proof that each bureau received my disputes. 

As of today, XX/XX/scrub> 2025, I have not received any written response, investigation results, or confirmation that my disputes are being handled. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and respond within 30 days of receipt. That deadline has now passed.

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 2025-07-19 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable. 

These following accounts are reporting inaccurate information on my credit report and need to be deleted. 

In accordance with the Fair Credit Reporting Act and related federal laws, please delete and remove the accounts listed in the attachments. These accounts were reported without a permissible purpose, contain outdated or inaccurate information, or violate my privacy rights. I also request written confirmation once these accounts have been 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 non-monetary relief