vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I paid off house in XXXX. After paid it off, the mortgage lender 's system reported a late payment. There could be no late payment because the loan was paid. 

It is on my credit report and I need lender to take it off. Not that it has been paid, it needs to be fully removed. The lender will not call me back. They hung up on me after working on this for 2 hours, when I got through to the call room. The manager was not there.

I have repetitively emailed them and they just say my loan is not in their system. They give me a customer support number that I have repetitively tried and does not work, since my loan is no longer in their system. They are doing nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It appears that there are incorrect information reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It appears that there are incorrect information reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
It was over the last 12 months, and Im not sure who but used my stuff and I think someone close, to open a credit line with XXXX and money lion to cover debts and recieve goods. I tried to fight it but gave me reasons on why its my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-13 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank holds my mortgage. We setup auto payment from our checking account. Bank informed us that they will auto charge our account on XXXX of every month. 

We missed to transfer money on XXXX of XXXX. On XXXX, we paied mortgage amount manually. Bank went ahead and charged our account via automated processing system. This resulted in double charge to the account and we recieved email that payment will be retured due to insufficient funds. 

This is the XXXX time Bank we have become victum of mis information from the bank have taken a hit. Lat time they charged us {$900.00}, and no one was able to help, after complaining to consumer agencies, they found ot where the money is and returned to us. Now insufficient fund is tied to my account, which should not, since this is due to bank 's mis information.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have child support deposited into cash app account XXXX XXXXXXXX associated with phone number XXXX. However, due to XXXX, I no longer have the ability to access this account. I was XXXX  XX/XX/XXXX, {$110.00} was deposited bi-weekly until XXXX of XXXX. Total amount in this account is {$7100.00}. Fast forward to XXXX of XXXX and I was XXXX XXXX XXXX and I have been attempting to access this account since. During this process I am told to try and open another account and these accounts will not verify. So then I'm told that there is nothing else that can be done thru the phone support so that I need to contact chat support, only to be told to contact phone support. This is a daily repetitive thing that goes no where with no solution ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CFW Holdings LLC
State: TX

Complaint narrative:
Cash for whatever. I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. I recently obtained my Early Warning Services consumer report and discovered multiple fraudulent accounts listed under my name. 

The accounts in question include : - XXXX XXXX XXXX XXXX, Account # : XXXX - XXXX XXXX XXXX XXXX, Account # : XXXX - XXXX XXXX, Account # : XXXX - XXXX XXXX, Account # : XXXX I have never opened or authorized these accounts. These fraudulent entries are harming my ability to open new banking relationships. I submitted a formal dispute directly to Early Warning Services, including a copy of my FTC Identity Theft Report ( Report # XXXX ), my ID, and the disputed accounts. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring these entries are deleted from my consumer file. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I was a victim of identity theft and this account is not mine it says I owe {$3400.00} to CENTRAL PORTFOLIO CONTRO and its from an apartment complex in another state I live in XXXX not XXXX. 

XXXX XXXX XXXX XXXX is also not mine and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Chime Financial Inc
State: MD

Complaint narrative:
My bank card information was recently stolen and was used for four atm transactions totaling {$450.00}. The first transaction was at a XXXX XXXX XXXX in XXXX Maryland on XX/XX/year>2025 at XXXX for {$120.00} the second transaction at the same place was XX/XX/scrub>/2025 at XXXX for {$110.00}, then another XXXX/XXXX/2025 at XXXX for {$93.00}, then again on XX/XX/scrub>/2025 at XXXX for {$120.00}. None of this atm transactions were made by me, all were unauthorized. When I noticed these fraudulent transactions I immediately shut off my card and got a new one and filed a dispute with Chime. Chime has since denied my disputes and said there were no errors. I was transferred to three different supervisors two named XXXX and XXXX both these supervisors were extremely unprofessional and flat out rude. They have been unwilling to help and told me they will not file an appeal because its a waste of time. XXXX even went as far as to tell me that verbal statements mean nothing to him and that it can not be fraud because it was an atm withdrawal. Chime is basically telling me that I have to take a {$450.00} loss because they refuse to help. They also refuse to transfer me to any of there bosses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
bXXXX XXXX\n\n\naXXXX XXXX\n\nExperianXXXX XXXX XXXX TX XXXXn\nSubject: Formal Dispute of Inaccurate Information Pursuant to FCRA  605B (15 U.S.C.  1681c-2)\n\nTo Whom It May Concern, This letter serves as an aggressive formal dispute of inaccurate and erroneous information reported on my credit file in violation of my federally protected rights under FCRA  605B (15 U.S.C.  1681c-2). The following accounts and items must be removed from my credit report immediately:\n\n\nXXXX XXXX XXXX XXXX  - Under 15USC 1692g. Validation of debts - I request validation under 15US Code 1692g-Validation of debt\n\nXXXX XXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX XXXX - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX  - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nXXXX XXXX XXXX XXXX - 1692(g) Disputed debts-Validation of debts - I request validation under 15us code 1692g-Validatiom of debts\n\nThese accounts are listed as a result of fraudulent activity and have no legitimate basis being reported under my personal information. As stipulated by FCRA  605B, you are required to block this information from my report within four business days of receiving this notice.\n\nFailure to act in accordance with the Fair Credit Reporting Act will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and seeking damages for noncompliance.\n\nI demand written confirmation of the removal of these accounts from my credit file within the legal time frame. If any additional information is required, I expect immediate communication, as I will not tolerate any delays or excuses for failing to follow federal law.\n\nSincerely, XXXX XXXX XXXXXXXX\n\nXXXX\n\nEnclosures: ID, proof of address, SSC, FTC report'

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and the credit reporting practices of IQ Data XXXX, XXXX. XXXX  XXXX, XXXX, WA XXXX. My complaint addresses violations of tenant rights, predatory credit reporting, and subsequent damages that have severely impacted my life as a XXXX veteran. 

Background and Lease Violation at XXXX XXXX : In XX/XX/XXXX, I began experiencing excessive noise disturbances from a neighboring unit at XXXX XXXX, which persisted until approximately XXXX XXXX  violating the noise ordinance as outlined in the lease agreement. Despite my repeated complaints to property management and multiple police reports, the disturbances continued, escalating in XX/XX/XXXX when my neighbor kicked my door repeatedly, creating a hostile and unsafe environment for my family. As a XXXX veteran with a severely XXXX XXXX, these conditions were intolerable. Property management failed to address the issue adequately and directed me to security, which proved ineffective. As a result, I notified them of my intention to move, which they acknowledged as valid under the circumstances. 

However, the property management took advantage of my XXXX by not providing the necessary paperwork to formally end my lease. Per California Civil Code 1951.2, landlords are legally required to mitigate damages by attempting to re-rent the property after a tenant vacates. XXXX XXXX successfully re-rented the unit, as evidenced by a bill stating my liability ended on XX/XX/XXXX. Despite this, IQ Data XXXX reported a {$21000.00} debt, which is both inaccurate and unfair, given that the unit was re-rented. 

Credit Reporting Issues and Consequences : The false and predatory reporting by IQ Data has severely impacted my ability to secure housing. In XX/XX/XXXX, I discovered mold at my new residence and attempted to relocate by XX/XX/XXXX but was denied housing due to the erroneous credit report. I eventually became homeless and struggled to secure stable housing until XX/XX/XXXX. Despite my attempts to resolve the issue with IQ Data, their representatives were dismissive and uncooperative, even mocking my efforts. 

XXXX  Responsibility : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies must ensure the accuracy of information. TransUnion failed to validate the debt and did not investigate the dispute properly, thereby allowing false information to persist on my credit report. This has caused significant financial and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I have unauthorized inquiries on my report i have included a FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation