vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Greenberg, Grant & Richards Inc.
State: MI

Complaint narrative:
Members of Greenberg Grant & Richards have been calling me and members of my family for weeks in an effort to reach a different person with the same name. They have continuously harassed us despite informing them that they have the wrong person. Lately they have increasingly threatened legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NH

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-04 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: OK

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 2025-04-04 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: PA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint and Request for Investigation Removal of Inaccurate/Unverified Negative Credit Report Items To Whom It May Concern, I am writing to formally file a complaint against one or more national credit reporting agencies ( Experian, Equifax, and/or TransUnion ) regarding inaccurate and unverified negative items on my credit report that have significantly impacted my credit score. 

Despite prior disputes and good faith efforts to resolve these matters directly with the credit bureaus, the negative items in question remain on my file without proper validation or lawful justification. I am now requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and holding the responsible reporting agencies accountable. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate, fair, and substantiated. The disputed accounts currently affecting my report were either : Not properly validated by the creditor ; Reported inaccurately or incompletely ; A result of outdated or unverifiable information ; Or never authorized or acknowledged by me in the first place.

These negative accounts are directly affecting my ability to obtain credit, secure housing, and maintain financial stability. They were either resolved long ago or were reported without adherence to federal regulations regarding consumer consent and verification timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: MS

Complaint narrative:
Sent Dispute Letters on XX/XX/year> and Experian has failed to provide Sufficient documents/proof of Accuracies on the disputes.

Accounts came back as verified As required under section 609 of the FCRA.

Sufficient documentation must be provided or disputed accounts must be deleted

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 2025-04-04 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
I am writing to formally file a complaint against Vanderbilt Mortgage and XXXX XXXX regarding their handling of my mortgage during a time of serious financial hardship. 

In XX/XX/XXXX, I experienced economic hardship and proactively reached out to Vanderbilt Mortgage and XXXX XXXX. I spoke to several representatives who, at the time, offered temporary assistance by delaying five monthly payments. As a result, my next payment was scheduled for XX/XX/XXXX. 

I am the only one currently working in our household. Since the initial hardship, my husband has XXXX  XXXX XXXX, and I lost my job on XX/XX/XXXX. The financial strain from these medical expenses and the loss of income forced us to file for bankruptcy. 

Throughout this time, both my husband and I made every effort to communicate our situation with XXXX. We submitted multiple requests for a loan modification or an extension in light of the changed circumstances. Unfortunately, each request was denied, despite our repeated outreach and transparency. 

We were later sent a reaffirmation agreement that we do not agree with. It does not address our current ability to pay, and it fails to offer a sustainable path forward. 

I want to be clear : we are not trying to avoid our mortgage responsibilities. Our only goal is to find a realistic and affordable solution so that we can remain in our home. However, Vanderbilt Mortgage and XXXX XXXX has been entirely inflexible and unhelpful. Their stance has essentially been not our problem, and they have repeatedly refused to work with us. 

This experience has left me in a state of severe emotional and financial distress. It feels as though the company would rather see us homeless than offer any reasonable modification to our loan. I have done my part by remaining in communication throughout this entire process. 

I can no longer recommend purchasing any XXXX XXXX or financing through Vanderbilt. Their business model appears designed to set families up to fail, especially those purchasing manufactured homes. Vanderbilts policies do not consider or accommodate borrowers facing genuine economic hardship. Instead, they pile on fees and penalties once loans become delinquent, worsening an already unmanageable situation. 

As a result, my family is now struggling to make payments and meet basic life necessities. I am seeking immediate intervention to halt Vanderbilts current practices and to obtain relief for homeowners like myself who are simply asking for fairness and compassion during a time of crisis. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
My Chime account was hacked while my phone was being fixed by a local phone company that is no longer open. My account was closed XX/XX/year>XXXX  and I had over {$100.00} in my account. I attempted to speak with them and let them know what happened. They sent an email stating that they would send my funds but I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I recently completed a refinance on my XXXX  XXXX ; the lender Foursight Capital received their full payoff check on XX/XX/XXXX, at XXXX XXXX  to the address posted on their website. This address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, which is posted multiple places on their website as the payoff address. Specifically, on the homepage under FAQ 's and under the account portal within the get a payoff off estimate section. 

The company managing the refinance, XXXX  XXXX XXXX, mailed the payoff check to this address listed. After multiple calls to Foursight Capital dating back to XX/XX/XXXX to let them know we refinanced and they should be expecting payoff, and multiple calls from XX/XX/XXXX - XX/XX/XXXX to ensure the check was received BEFORE the 30 day cut off. They informed me on XX/XX/XXXX, the check was delivered to an old address that isn't monitored, and all payoffs must be mailed to what's listed as their overnight payoff address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX. I immediately notified XXXX  XXXX XXXX via call and text to cancel the original check and resend it to the " new '' address. On XX/XX/XXXX, XXXX  XXXX XXXX notified me via text that they mailed the payoff check to the new address. As the last two weeks passed, the payment on the vehicle passed the 30 days past due, thanks to the delay in receiving this check and the tardiness of XXXX  XXXX XXXX. Foursight Capital started reporting the 30 days past due to the credit bureaus despite multiple attempts to communicate what was happening. After speaking with an agent, XXXX, with Foursight Capital on XX/XX/XXXX, he suggested we defer the late payment to stop the negative reporting on my credit. Had this occurred in the conversations between XX/XX/XXXX to XX/XX/XXXX, my credit would have never been hit as all of this was simply out of my control. 

Thankfully, XXXX, with Foursight, was extremely helpful, unlike many of his colleagues. Yesterday, XX/XX/XXXX, I called again to see if they received the check from XXXX  XXXX XXXX and was told they hadn't received the check yet and would follow up once it was received yesterday. I also informed whomever I spoke to that there are incorrect addresses listed on their website and that should be addressed so this doesn't happen to anyone else. He simply did not understand the issue with having the current address posted. As of XX/XX/XXXX, I have yet to hear back from Foursight Capital on this extremely time-sensitive issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2025-04-04 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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