vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and damaging reporting of late payments by the three major credit bureausTransUnion, XXXX, and XXXXand the U.S. Department of Education ( Department of EducationXXXX ) concerning my student loan account. Specifically, my account was in deferment, and despite this, late payments have been reported on my credit file, which is egregious, unacceptable, and unlawful. 

During the deferment period, I was under the understanding that my account was protected from negative reporting, as stipulated by federal law. However, my credit reports from TransUnion, XXXX, and XXXX  inaccurately show late payments for this period. The Department of Education, as well as the loan servicer, failed to ensure that this account was reported correctly, leading to significant harm to my credit score and 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 2025-08-20 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 am writing to file a formal complaint regarding the inaccurate and damaging reporting of late payments by the three major credit bureausXXXX, Equifax, and XXXXand the U.S. Department of Education ( Department of EducationXXXX ) concerning my student loan account. Specifically, my account was in deferment, and despite this, late payments have been reported on my credit file, which is egregious, unacceptable, and unlawful. 

During the deferment period, I was under the understanding that my account was protected from negative reporting, as stipulated by federal law. However, my credit reports from XXXX, Equifax, and XXXX  inaccurately show late payments for this period. The Department of Education, as well as the loan servicer, failed to ensure that this account was reported correctly, leading to significant harm to my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and damaging reporting of late payments by the three major credit bureausXXXXXXXX, XXXX, and Experianand the XXXX Department of Education XXXX Department of EducationXXXX ) concerning my student loan account. Specifically, my account was in deferment, and despite this, late payments have been reported on my credit file, which is egregious, unacceptable, and unlawful. 

During the deferment period, I was under the understanding that my account was protected from negative reporting, as stipulated by federal law. However, my credit reports from XXXX, XXXX, and Experian inaccurately show late payments for this period. The Department of Education, as well as the loan servicer, failed to ensure that this account was reported correctly, leading to significant harm to my credit score and 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
My husband and I ( XXXX and XXXX XXXX ) were sent a bill from Online XXXX XXXX on behalf of XXXX XXXX regarding a {$690.00} bill. We have never been XXXX XXXX customers and we sent back the packet to online services. Online XXXX disregarded our packet and reported our account to the collections agencies. This is not our bill and we tried calling XXXX XXXX, they said we had to file a report here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield , Inc. is reporting a collection/other loan tradeline ( balance about {$2500.00} ; last reported XXXX ). I did not receive a compliant FDCPA/Regulation F validation notice before or during collection efforts. No itemization of the debt ( principal, fees, credits, itemization date ) was provided. 

Under 15 U.S.C. 1692g and 12 C.F.R. 1006.34, a collector must send a validation notice with all required elements and must cease collection until verification is mailed if I dispute. Hunter Warfield has not provided that validation but continues furnishing data to the CRAs. As a furnisher, Hunter Warfield must also ensure accuracy and investigate disputes under 15 U.S.C. 1681s-2 ( b ) and report the correct month/year of first delinquency per 1681s-2 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
There is a collection account on my credit profile for {$910.00}. The company name is LJ Ross Associates. My identity has been stolen and I have a fraud alert on my credit profile. I have never done business with the collection company and I need this item to be removed as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TN

Complaint narrative:
MRS BPO , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owe the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the part who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : 1. Agreement that you have the authority to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor with promises to pay the original creditor 3. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
Loan officer XXXX XXXX XXXX XXXX XXXX, NMLS # XXXX of Better Mortgage XXXX and his coordinator, XXXX XXXX NMLS # XXXX, have requested that I provide a signed, notarized, and recorded quitclaim deed prior to closing. 

This request is unusual, uncommon, and potentially harmful to me financially. Standard industry practice is for the quitclaim deed to be signed and recorded at the time of closing, alongside the new refinance mortgage documents. If I were to provide a recorded quitclaim deed before the refinance was finalized, I could be left on the mortgage without retaining ownership interest in the home, creating serious financial and legal risk. 
The lenders demand appears to deviate from customary practice and from the provisions of my divorce judgment. The loan officers communications suggest conditional approval of the refinance, but no evidence of a clear-to-close has been provided. I am concerned that this lender may be misrepresenting the loan status and pressuring me into signing documents prematurely in a way that is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
I have paid off all debt and the credit bureau keeps dropping my scores! This is completely unacceptable! Not to mention - 2 accounts ( XXXX  & XXXX ) are not mine and I have disputed this many many times. My debt to income ratio is high/ and I have no debt!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
I have paid off all debt and the credit bureau keeps dropping my scores! This is completely unacceptable! Not to mention - 2 accounts ( XXXX  & XXXX ) are not mine and I have disputed this many many times. My debt to income ratio is high/ and I have no debt!!

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 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Got an email from XXXX  XX/XX/XXXX saying that there had been an update to my credit report showing that Best Buy credit card by Citibank had been closed by the credit grantor. I contacted the card provider. They said that they had sent an email in XXXX indicating that the car needed to be used or it would be closed. Checking my email account on file with the company. The last email ever received by them was in XXXX. I explained this to the customer support agent who told me that the card could not be reinstated. They indicated that I was free to apply again, which would result in a hit against my credit report. 

I think in the case of closing an account rather than rely on email, credit card companies should send a letter via first class mail to the address on file as well as send an email.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I spoke with a client of mine who was paying me for my advice. They paid their invoice through PayPal. 

The client became intoxicated while on the call and I told the client we can not do the session properly if they are going to be intoxicated which led to them ending the call, taking XXXX mins of my time and then asking PayPal for a refund which PayPal granted. 

I escalated the case saying I provided the intended service for the client which was my time and advice. 

They asked me to send documents which I did as proof the client agreed to pay for my time. PayPal agent then said they emailed me for more documents which I uploaded. 

When I called to speak with an agent to ask why they closed my case saying I didnt respond. The agent said they sent me en email saying they needed me to sign a form that was an affidavit saying I was a pay pal partner. I said I received no such email I sent as many documents as I could 9 screen shots. I said when did you send me an email with the affidavit? I searched my emails high and low for this affidavit The agent said, well, you were supposed to call us. 

I said no where in your email do you say you need to call PayPal to get instructions on signing an affidavit. 

I called their customer service and said youve sent an email requesting more information and they said we will send you a link to upload documents. AFFIDAVIT was NEVER mentioned. 

I stayed on top of this case. It was never communicated I needed to contact them by phone. They have zero emails indicating I needed to submit this. They didnt even send as an attachment. The agent XXXX said, well you would have needed to call us Why would the affidavit not be sent as a clear email for me? Why all the run around? 

You unfairly took funds from my account to refund a customer who received their service. And you can not be transparent with me on why you did that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it concerns : This complaint is specific to [ Creditor Name : First Premier, Account Ending : XXXXXXXX XXXX XXXX XXXX XXXX Amount {$1400.00} ]. I disputed this account on XX/XX/year> for certificates of mailing via certified mail, and followed up with a Method of Verification on XX/XX/year> via CFPB. Transunion marked it verified for certificate of mailing dispute but has provided no documentation to support the verification of the certificate of mailing. I request CFPB oversight under FCRA 611 to ensure Transunion provides the method of verification or deletes the account.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year> - I experienced something called an " Account Takeover Scam '' with my personal USAA banking accounts. The person who gained access to my accounts did a lot of stuff including submitting multiple disputes, ordering new cards, moving money between accounts, and paying off one of my personal loans. 

I called USAA as soon as I realized the scam was taking place ( which was on XX/XX/year> ), and reported the issue. They helped me lock my accounts and regain access to my accounts and to update all of my credentials to prevent further security issues. From this date on USAA has been " investigating '' the scam and has given essentially no transparency into what they are doing or why they are doing it. I was provided misinformation by multiple USAA members regarding paying back vendors that the erroneous disputes were filed with, which has now caused me to lose money. I have spent an incredible amount of time on the phone with USAA representatives who do not know what is going on with my finances, no one can give me transparency or information, and at this point USAA has grossly mishandled the investigation and my finances. They continue to this day ( 57 days after the scam ) to move money around in my accounts erroneously to try and correct the issues that they have now caused, and refuse to give me a resolution date for this investigation. I was originally told that they would be complete with the investigation within 30 days of the reported date. 

This specific Account Takeover Scam ( ATO ) is unique to USAA, because of glaring security issues that the organization refuses to acknowledge or address. Multiple other members have fallen victim to these same issues and had their finances completely ruined by the way USAA " investigates '' fraud and scam cases.

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 2025-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing with Equifax, Experian, and Transunion about XXXX XXXX  fraudulently putting a past due amount on my credit report ( s ). All three of them told me the dispute was resolved and had been verified; leaving it on my credit reports with an updated late payment only WHICH IS FALSE. Transunion was the only one to send me the same lie by mail. This is past lazy and XXXX. Any three of them could have had this done and over with already. Equifax kept saying they had certain months with no information and now that they have finished the investigation, they have the same amount as Transunion and Experian. If those XXXX  actually looked at the information, the last amount paid is greater than the last balance amount. This has been paid off since XX/XX/2024 and all 4 of these companies know it. 

Equifax, Experian, and Transunion have all told me the investigation was over. Now that I have filed a complaint they ARE LYING saying they are still investigating. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year>, I submitted a dispute regarding inaccurate/fraudulent information on my credit file through the Consumer Financial Protection Bureau ( CFPB ). Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), when a consumer notifies a consumer reporting agency that information results from identity theft or is otherwise fraudulent, the agency must block the reporting of that information within XXXX ( XXXX ) business days of receipt of such notice. 

Your agency has failed to comply with this statutory requirement. More than XXXX ( XXXX ) business days have elapsed since the date of my dispute submission through the CFPB, yet the disputed accounts remain on my credit file. This constitutes a direct violation of the FCRA and XXXX. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item. Failure to act within the required timeframes not only demonstrates noncompliance, but also obligates you to delete or block the disputed information since you are unable to verify its accuracy in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year>, I submitted a dispute regarding inaccurate/fraudulent information on my credit file through the Consumer Financial Protection Bureau ( CFPB ). Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), when a consumer notifies a consumer reporting agency that information results from identity theft or is otherwise fraudulent, the agency must block the reporting of that information within XXXX ( XXXX ) business days of receipt of such notice. 

Your agency has failed to comply with this statutory requirement. More than XXXX ( XXXX ) business days have elapsed since the date of my dispute submission through the CFPB, yet the disputed accounts remain on my credit file. This constitutes a direct violation of the FCRA and XXXX. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item. Failure to act within the required timeframes not only demonstrates noncompliance, but also obligates you to delete or block the disputed information since you are unable to verify its accuracy in accordance with the law.

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