vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to dispute the following information appearing on my credit report. The items marked are inaccurate, and I request that they be verified for accuracy or removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit 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 2025-05-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BALANCED {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$87.00} XXXX  XXXX BALANCED {$9100.00} XXXX  XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX 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/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BALANCED {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$87.00} XXXX  XXXX BALANCED {$9100.00} XXXX  XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX 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/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Yield Solutions Group, LLC
State: TX

Complaint narrative:
I applied to refinance my auto loan through RefiJet and signed all required documents on XXXX XXXX 2025. I was later told the original offer expired and was asked to re-sign a second set on XXXX XXXX, 2025. I submitted all required documents, including my pay stubs, and was told the file had been sent to the lender on XX/XX/XXXX. 

Since then, Ive received no clear confirmation of approval or funding, despite multiple follow-ups. On XX/XX/XXXX, I received a vague message stating the lender was still reviewing the file and requesting another pay stub, which I promptly submitted. I had previously set a XX/XX/XXXX resolution deadline in a formal escalation email. That date has now passed without any follow-up, resolution, or communication. 

Because of the ongoing delay, Ive continued making payments to my original lender and maintaining duplicate insurance coverage, causing financial harm. A representative also told me that my original lender might refund the duplicate payments once the refinance is complete, but nothing has been guaranteed or resolved. 

I am requesting CFPB assistance in resolving this issue and securing reimbursement for unnecessary costs Ive incurred due to the companys failure to finalize my refinance in a timely and transparent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
My loans have been in deferment since last year however in XXXX they started saying Im 90 days late. Took my score down XXXX points. Then I disputed it and they took it off then our another new late! I have a XXXX amount due! Please make them stop reporting lates! When they take it off, my score doesnt go back up!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This is a formal complaint against Experian regarding their continued and unlawful reporting of an account from XXXX XXXX XXXX XXXX ( SECU ) as verified and accurate, despite multiple legal violations and no substantiated proof. 

I have filed prior disputes and sent Experian detailed documentation, including : A Cease and Desist letter A notarized Affidavit of Truth A letter citing FCRA and UCC violations Documentation regarding the falsified charge-off status These materials were mailed and delivered via certified mail and should have triggered a full investigation.

Instead, Experian closed the dispute in less than 30 days far below the minimum required under FCRA 611 ( a ) ( 1 ) ( A ) and provided no actual documentation or certification from SECU to substantiate their claim that the account was accurate. There is no legal evidence that the data furnisher verified the debt, nor that Experian complied with its obligation to forward my supporting evidence under FCRA 611 ( a ) ( 2 ) ( B ).

Additionally, Experians own website confirms that charge-offs are not to be reported unless the data is verified and all conditions are met. I have seen no valid reporting under IRS requirements, such as a Form 1099-C, which is required when a debt is charged off. The charge-off is false, unverified, and defamatory to my credit file.

This SECU account does not appear on Equifax or TransUnion, which further violates FCRA 607 ( b ) requiring credit reporting agencies to maintain maximum possible accuracy and uniformity in the information they report. 

I am now re-submitting my complaint with additional documentation, including screenshots from the other bureaus and a copy of the affidavit previously sent. 

I am demanding : Immediate removal of the SECU account from my Experian credit report A full reinvestigation compliant with FCRA 611 Written confirmation from the furnisher if Experian claims it was contacted Immediate correction of all inaccurate charge-off references Experians pattern of ignoring lawfully submitted documents and prematurely verifying accounts without proof is deceptive and unlawful. I request full enforcement action from the CFPB to ensure my rights are protected under federal law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXubject : * * Balance Transfer & Card Block Issue Dear [ Recipient 's Name ], I hope you're doing well. I recently noticed that my balance of * * {$17.00} * * was not transferred to my account. I was issued a new card, but it currently shows a XXXX balance. Also {$83.00} I spoke with a representative named * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> * *, regarding this issue, and he was the XXXX who issued the new card. However, when I later spoke to another representative, I encountered unexpected difficulties. He informed me that I could not spend my money because the card was blocked. When I questioned this, he refused to lift the block, which is unacceptable. 

I would appreciate immediate clarification on this issue and the proper transfer of my balance. 

Please let me know how we can proceed in resolving this promptly. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX 2025 RE : VALADATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX of dollars. 


This letter is being sent to you in a response to an entry that was made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is being requested.

Under the Fair Debt Collections Practices, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this require under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I required compliance with the terms and conditions of this letter within 15 days of this letter being receipt, or a complete removal from all four credit bureau reporting agencies from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charge and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated, you must indicate to the bureau that the account is under investigation and is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed.

I have sent a copy of this request for validation to the four national Credit Reporting Agencies to begin their 15 day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Please can you send me an updated mortgage statement and you have reported that I didn't pay the mortgage for XXXX, XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CT

Complaint narrative:
I previously disputed XXXX XXXX  account on my credit report. Complaint number XXXX. The XXXX XXXX  account was deleted from my XXXX XXXX and XXXX  report. Equifax is still reporting XXXX funding account on my credit report. Account number XXXX XXXX XXXX XXXX XXXX The information reported is incorrect. See screen shots of the account attached from my credit report. How can this account be late 120 days, date last active, payment history showing ok, date opened, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — VA 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: CA

Complaint narrative:
Mr. Cooper provided me with false and misleading information regarding the XXXX program offered to veterans from XX/XX/XXXX to XX/XX/XXXX. This program was available to veterans who met certain criteria XXXX of which was that XXXX mortgage payments had to be made to be qualified. On XX/XX/XXXX, I spoke with a representative named XXXX XXXX on a recorded call to confirm that XXXX payments would be made by XXXX where she repeatedly confirmed and said yes, I made another payment, thinking it would have been the XXXX payment, and the payment was reversed. I made numerous calls after that to confirm and was just told to wait until the servicer was accepting applications for the program. In XXXX, I called to enter the waterfall and was told I don't qualify because of XXXX payments being made, thus the reversed payment, which was done over the phone with the representative, would have made it the XXXX payment, making me. my mortgage payment changed from 3 % to 7 % when the XXXX was offering veterans that were struggling a fixed 2.5 % interest rate, which I was rightfully qualified for. This has caused financial harm, credit damage and emotional distress and with the program no longer being offered effective XX/XX/XXXX due to the Government 's decision I lost out on a big opportunity when I was fighting for this with Mr. Cooper for more than 12 months now. I have contacted them multiple times without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have repeatedly submitted disputes with Equifax about the incorrect birthdate and address on my credit report which is a direct result from their data breach. I have repeatedly provided them with copies of my drivers license, social security card, birth certificate, XXXX cell phone bill, auto insurance policy, bank statement - all to correct the information without any ramification of the errors or explanation. 

Online disputes submitted on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Written letter sent XX/XX/XXXX with supporting information. 

Printed evidence as previously outlined mailed XX/XX/XXXX. 

Spoke to someone directly with Equifax on the phone in XX/XX/XXXX and they would not provide me with the information that justified their companys refusal to correct my credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX and my State Attorney General.

I look forward to your prompt response.

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